I'm deciding between Citibank and AccessGroup myself. Right now, I think Citibank's best rate is lower than AccessGroup's best rate. I don't think you know what rate you'll get until after you apply, though, so I don't know if that helps. I've read more favorable things about the LIBOR, so I'm leaning towards AccessGroup.

Citibank's Stafford incentives do seem the best. But if I decide to go with AccessGroup for private, I'd probably use them for Stafford as well for convenience.

Are we able to apply for loans yet? I thought we were supposed to get something from the FinAid office first before we start.

Looking at all the NYU forms reminded me that I should join this roll call. Hey everyone!

hi, fentrex. you and i are in the same position re, waitlists. are you a stanford alum? anyway, welcome! o, are you doing d'ag or mercer?

Stanford 04. Nice to meet another Cardinal I tried for couples of housing at Mercer. Good fun, those waitlists. I'm assuming you'd go to Harvard if you got in, but how about Columbia?

would you go to harvard if you got in? what about columbia? looks like you and i are amongst the few that got the harvard call and got WLed. wtf did we do wrong?

Harvard, yes. Columbia, not sure. Don't know what happened with the Harvard call. I still don't think the calls had an evaluative purpose, so I don't think we did anything wrong necessarily. Maybe the admissions office decided that mindf*cking some of their applicants this year would be good for a laugh

In any case, I think NYU will be more fun to go to ... at least that's what I'm telling myself.